The Development Situation And Strategies Of Third-party Financial Industry

With the rapid development of the domestic economy,China's capital market and emerging investment products have become more and more active.At the same time it brings great wealth effect,following the high net worth group sustained growth,Chinese rich group also gradually grow.In addition,with the reform of the social security system,people have to face to the unprecedented pressure from retirement,education,health care and so on.Chinese residents begin to realize that they need some professional institutions to help them,their families and even business to control the market risk and hedging the assets.On this background,the independent third-party financial institutions quietly enter into the public's view.It is independent of other financial institutions,standing in customer's position and providing specialized,comprehensive financial services.The development of China's financial market has been nearly three decades.Due to the late start,inadequate supervision,lack of personnel and other reasons,it develops slowly in the industry competition.This article firstly introduces the topic background and research purpose,clearing the logical framework.Then makes a deep analysis of its market size,business models,industry competition status and macro environment.On this basis,we understand its history and current condition to a certain degree.The third chapter,to explore the constraints existed of the third-party financial industry in the development process actively and learn from the experience of the mature markets United States.Chapter IV,we choose the industry leaders company H as representative case.To analyze its operating performance,internal and external environment,finding that it exists many problems such as disregarding cultivating emerging business,ignoring online experience services and lack of high-end talent.Chapter V,making appropriate policy recommendations from the macro perspective,in order to create a favorable market environment.On the other hand,proposing the corresponding strategies containing rich product line,optimize business layout,light asset management,focusing on research and development of the internet platform operators,improving personnel structure and widen profit channels.Overall,after grasping the whole structure of the third-party financial industry,we hope our government can make some effective measures to standardize its development,the companies should strengthen themselves and survival of the fittest,promoting the third-party financial market running smoothly and orderly,adding another fresh blood into the promising financial management market.